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Actual Budget vs HomeBank: catalog facts
Actual Budget	HomeBank
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Free Free and open source under the GPL.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Windows, macOS, Linux
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Quick to set up and light on resources Duplicate detection when importing bank statements
Syncing between devices needs a server, which is a step most apps hide Automatic bank connections depend on your country and a third-party service	Single-entry bookkeeping, so it is not suitable for business accounts No automatic bank connections
Downloadable app, Self-hosted	Downloadable app
Open source	Open source
License: MIT	License: GPL-2.0
No account needed	Not stated if an account is needed
Works offline	Not stated if it works offline
Official website Full listing and sources Checked September 21, 2026	Official website Full listing and sources Checked September 22, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.